Skip to content
770-587-4595

Cyber Liability by state

Kentucky data breach notification law and cyber insurance

Direct answer

What is Kentucky's data breach notification law?

Kentucky's breach notification law (Ky. Rev. Stat. sect. 365.732) requires businesses to notify affected residents in the most expedient time possible and without unreasonable delay after a breach of personal information. Kentucky requires businesses to notify affected residents of breaches of unencrypted personal information without unreasonable delay.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

What the statute requires

Kentucky requires businesses to notify affected residents of breaches of unencrypted personal information without unreasonable delay. Cyber liability insurance typically covers the forensics, notification, and legal review needed to meet these obligations.

Consumer notification deadline
In the most expedient time possible and without unreasonable delay
Credit bureau notice
Notify consumer reporting agencies when a breach requires notice to more than 1,000 residents.
Safe harbor
Notification is not required if the compromised data was encrypted or redacted and the encryption key was not acquired.
Enforcement
The statute does not set a specific civil penalty for consumer breaches; enforcement generally proceeds under the state's consumer protection authority.

Statutes and sources

  • Kentucky Personal Information Security and Breach Investigation Procedures Law

    Ky. Rev. Stat. sect. 365.732

Regulator: Kentucky Attorney General . Last verified 2026-07-29 from the official source .

Related Kentucky compliance pages

Insurance

Kentucky workers' compensation

Licensing and bonds

Kentucky licensing, bond, and regulator directory

Cyber Liability in other states

Back to the cyber liability coverage guide

Get Kentucky coverage handled

Share a few details and an agent will respond within one business day.

Request a quote Talk to an agent